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    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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    • We have finally managed to obtain the transcript of this case.

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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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BT Sport - not cancelling


Wulfyn
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Hi Everyone!

 

Am hoping for some help regarding the following issue. My suspicion is that to go further would likely cost me more than I would recover so if that is the case just let me know. But hopefully someone in here will be able to give some advice to help.

 

Back in the summer of 2013 I took out a BT Sport subscription package. A couple of months later I got a job offer in a different town so I cancelled my Sky and BT Sport at my address knowing that I can get a good deal at the next place. In October I moved into the new property, booked Sky and BT Sport and everything was great.

 

However I was an idiot and didn't properly check that BT had cancelled my initial subscription. And hence it was only in February last year when I moved house again and went to cancel my BT Sport that I realised my account had 2 direct debits from BT Sport. This came to about £800.

 

I had noticed that I was being charged by BT Sport when checking my account but because the charges were around 15 days apart I never saw that it was being done twice a month. Also I did receive emails from BT about my account (& adverts for things) but it was only for one of the two accounts.

 

I raised this with BT and asked that the account that I had asked to be cancelled be refunded to me. They refused and offered me 1 month's charges as a good will gesture. Needless to say I was not happy with this.

 

I requested a SAR which they complied with. It showed the information for both accounts. Weirdly the first account was dated to have started on the 26th September (10 days before I was due to move and 10 days after I had put the deposit on the new lease). I explained to them that this could not be right due to the circumstances, but they said that's what their data said so it must be right. There was no information regarding me taking out either account, and the only correspondence in the SAR were the recent calls I'd made after I had found the mistake. To me it felt a lot like anything more than a year old was no longer on their system.

 

As they were not willing to go further I contacted the Ombudsman service about it. I have the full story if anyone is interested but to cut it short they saw 100% in favour with BT. The first response I was really unhappy with because they made a number of factual claims that were completely untrue (like they said I should have noticed because I was getting emails for both subscriptions which I was not and never said I was). But their point was basically that I should have noticed so BT are not doing anything wrong in not paying it back, and because BT have no record of the cancellation then I am not entitled to any refunds. They completely ignored everything about BT saying the account started after I knew I was moving and had cancelled the Sky subscription to which the card was linked.

 

So it feels to me now that I go small claims court. I'm happy to go into mediation as well. The problem is that I am worried that I will either have to hire a solicitor which will cost me more than I am looking to get back, or they will just use their solicitors to tie me in loops and then force me to pay their legal expenses.

 

So, worth pursuing? Or chalk this one up to a learning experience and curse the name of BT forevermore?

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was this by DD?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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was this by DD?

 

Yes :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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well surely the DD guarantee comes into play here?

 

go get all those payments back, there was no active DD for that contract

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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